Where does a lender get info. for zoning of property?

[Nancy Jenkins]

I own 2 adjacent lots of property near downtown. When I purchased these I visited our Metropolitan Planning Commission to find out the best use for these lots. The city planner showed me my lots were zoned commercial. They wanted me to build an office complex. Yesterday I went to get a secured land loan on these lots based on their commercial value. The loan officer looked up my property from some records and said the lots are zoned residential. No way. Where does a loan officer get their information for zoning? Obviously, the records he checked are incorrect. Tried calling - passed around 7 different departments. One lady told me taxes on all land w/o a building are taxed residential, even though it is in a commercial zone. She suggested the lender call the MPC themselves. Somehow I don't think they will go to the trouble. Does anyone have a suggestion for me?